Please review my portfolio, if I can hold, accumulate or exit from these stocks. I'm not sure of the period if I have to hold these stocks. Please advise.

Ans: Clearing FMGE is not required to pursue MBA after completing MBBS from a foreign university. Best of luck. Follow me. MAY GOD BLESS YOU. Professor...................:)

Ans: Right now not required. You can learn German Language if you want to settle in Germany. Follow me. Best of luck. MAY GOD BLESS YOU. Professor.......................:)

Ans: From which institution have you done your BE?

Ans: It is an excellent plan. First of all I would like to thank him for deciding to be a teacher, now-a-days all are running after IT, AI, ML and money. But with M.Sc from IIT/IISc he can get school teaching. For college teaching Ph.D is preferred, though for being an Assistant Professor it is not compulsory. But famous institutes like IITs absorb only Ph.D candidate. If he gets funding he can do it from USA also. Best of luck to him. I am always available. All the best to your son. May God Bless him. Regards. Professor.................................:)

Ans: The answer of your questions can be got from net. My work is to do the counselling. But for any enquiry you need to use the search engine like GOOGLE. Best of luck. May God Bless You. Professor...............................:)

Ans: You please try for teaching or research type jobs. But your excess age is a negative factor. All the best. May God Bless You. Professor..................:)

Ans: To achieve a corpus of Rs 20 crore with your current financial inputs, let's break it down step by step:

Your Current Investments and SIP Plan
Current Investment: Rs 60 lakh (expected to grow to Rs 1 crore by 2026).
Monthly SIP Contribution: Rs 1.35 lakh.
Expected Rate of Return: 12% annually.
Timeframe to Reach Rs 20 Crore
With a starting corpus of Rs 1 crore (by 2026) and continuing a SIP of Rs 1.35 lakh monthly at 12%, it will take 23 years to grow to Rs 20 crore.
By the time you turn 67 years old, your desired retirement corpus can be achieved.


Key Assumptions
The 12% return assumption is realistic for equity-heavy portfolios. However, past performance is no guarantee for the future.
The SIP contributions should continue consistently without interruption for the given timeframe.
Inflation and changing lifestyle expenses are not considered here.

Points to Consider
Diversify Your Investments: Ensure your portfolio includes a mix of equity and debt. Adjust allocations as you approach retirement to reduce risk.

Monitor Progress Regularly: Periodically review your investments and returns. Rebalancing may be necessary to stay aligned with your goal.

Increase SIP Contributions Gradually: With rising income, consider increasing your SIPs by 5-10% annually to reduce the timeframe.

Emergency Fund and Insurance: Ensure you have a robust emergency fund and sufficient term insurance to secure your family.

High-Level Suggestion
We can fine-tune the investment strategy and assess the risks involved in detail.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: Let him try for internship through his Training and Placement cell of SRM. Generally it is done in the pre final year. Just follow me. All the best. MAY GOD BLESS YOU. Professor...................:)

Ans: First I would like to express my respect for your self-motivation, age is not the factor. People having age more than 60 are learning new courses, whereas you are only 48. Just go for CS executive and Professional. All the best. Be in touch. Just follow me. MAY GOD BLESS YOU. Professor........................................:)